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  401(k) Plan

Benefit-eligible lay employees hired, rehired or changing to benefit-eligible at locations participating in the RCAB 401(k) Plan are automatically enrolled in the 401(k) Plan with a 3% pre-tax deferral if no election is made within 45 days from the date of hire, rehire date or date of change to benefit-eligible (sample Notice of Automatic Enrollment).

Current and newly eligible employees can stop, start or change the amounts deferred with any pay period by completing a RCAB 401(k) Plan Salary Deferral and Waiver form and returning it to their location’s payroll contact.

Examples of these elections include:

  • Begin deferrals prior to 45 day auto enroll
  • Opt out of auto-enrollment or existing contributions
  • Request a percentage of pay contribution amount other than 3%
  • Request a specific dollar amount per pay period
  • Request a change between pre-tax or Roth after-tax basis for future contributions

TIAA sends welcome packets by mail to new enrollees within 10 days of the first deferral being deposited with TIAA.

Basic information regarding the Plan is available in EnglishSpanish, and Portuguese.

The 401(k) Plan’s employer matching contribution is 100% of the first 3% contributed plus 50% of the next 2% contributed, for a maximum of 4% for employees who contribute at least 5% of their eligible wages. A chart of Plan highlights is available in English, Spanish, and Portuguese.

Diocesan priests and those incardinated to the Boston Archdiocese are also eligible to participate in the 401(k) Plan.  The same matching contribution applies to priests that applies to lay employees.  Review these Plan Highlights for Priests to learn more.

Free virtual financial counseling sessions are available from TIAA. Search for available appointments or watch for periodic emails from the Benefits Office with specific dates. See the Plan's current investment options.

You can log in to your TIAA account at www.tiaa.org to review and change your investment options and to designate a beneficiary.  For questions about your 401(k) account, please contact the Benefits Office at 617-746-5640 or benefits@rcab.org, or TIAA at 1-800-842-2776.


RCAB 401(k) Plan Annual Safe Harbor Notice (2022)
RCAB 401(k) Plan Annual Automatic Enrollment Notice (2022)

RCAB Salary Deferral Form + Waiver Form
RCAB Salary Deferral Form + Waiver Form – Portuguese
RCAB Salary Deferral Form + Waiver Form – Spanish

Meet With a TIAA Financial Consultant

Financial Planning Tools

RCAB 401(k) Plan Overview


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